The rates we publish will not be directly comparable to the teaser rates you see advertised online, as these rates are selected as the most attractive compared to the averages you see here. Teaser rates may involve paying points up front or may be based on a hypothetical borrower with an ultra-high credit score or for a smaller-than-average loan. The rate you ultimately get will be based on factors like your credit score, income, etc., so it may vary from the averages you see here.